Medicare Advantage Plans in Cumberland County, IL:
Your Complete 2025 Guide
In Cumberland County, IL, Medicare beneficiaries have 27 Medicare Advantage plans to consider for 2025. Among them, 20 are offered at a $0 premium. About 566 people in the County are currently enrolled, and 19% of plans are rated 4 stars or higher. Special Needs Plans are not included in the figures shown above. Explore SNP options for Cumberland County, IL here.
Page last revised:
Enrollment data refreshed: September 16, 2025
* Each year CMS evaluates Medicare Advantage plans on a 5-star scale. Data sources
Medicare Advantage PPO Plans
PPO, or Preferred Provider Organization, plans give Medicare beneficiaries the ability to see a wide range of providers. These plans cover in-network care at the lowest cost but also include the option to use out-of-network providers for a higher fee, offering added choice compared with other plan types.
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| Aetna Medicare Eagle | $0 | $4,500 | N/A | |
| Aetna Medicare Premier | $23 | $4,700 | $590 | |
| Aetna Medicare Value | $0 | $4,900 | $590 | |
| Blue Cross Medicare Advantage Classic | $0 | $5,900 | $0 | |
| Blue Cross Medicare Advantage Dental Premier | $0 | $7,550 | $590 | |
| Blue Cross Medicare Advantage Health Choice | $0 | $6,900 | $590 | |
| Blue Cross Medicare Advantage Protect | $0 | $6,750 | N/A | |
| Humana USAA Honor Giveback | $0 | $6,750 | N/A | |
| Humana USAA Honor Giveback | $0 | $5,500 | N/A | |
| HumanaChoice Giveback H5216-403 | $0 | $4,500 | $590 | |
| HumanaChoice H5216-399 | $0 | $4,500 | $590 | |
| HumanaChoice R5361-002 | $104 | $7,200 | $590 | |
| AARP Medicare Advantage from UHC IL-0003 | $48 | $5,900 | $420 | |
| AARP Medicare Advantage from UHC IL-6 | $0 | $6,700 | $420 | |
| AARP Medicare Advantage Patriot No Rx IL-MA01 | $0 | $6,700 | N/A | |
| Wellcare Giveback Open | $0 | $5,000 | $420 | |
| Wellcare Patriot Giveback Open | $0 | $5,500 | N/A | |
| Wellcare Simple Open | $0 | $3,200 | $420 |
What is the total number of PPO plans offered in Cumberland?
Cumberland County has 18 PPO plans for 2025, with enrollment of 476.
How much do PPO plans cost on average in Cumberland?
The mean monthly PPO premium in Cumberland is $9.71, and 15 plans have no premium.
Medicare Advantage HMO Plans
With an HMO, you’ll typically get care from providers and facilities in the plan’s network. In exchange for this limitation, HMO plans usually feature lower monthly premiums and reduced cost-sharing, which can help enrollees better manage their healthcare expenses.
- Total HMO Plans
- 5
- Average Premium
- $29.60/mo
- Beneficiaries Enrolled
- 25
- $0 Premium HMOs
- 4
- Average MOOP
- $4,400
- Most Popular HMO
- Wellcare Simple Essential (HMO) with 25 enrollees
- HMOs Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| Blue Cross Medicare Advantage Basic | $0 | $5,500 | $0 | |
| Health Alliance Medicare HMO 20 Rx | $148 | $4,000 | $0 | |
| Health Alliance Medicare HMO Basic | $0 | $6,700 | N/A | |
| Wellcare Simple Essential | $0 | $2,900 | $420 | |
| Wellcare Simple Essential Value | $0 | $2,900 | $420 |
- What is the average monthly premium for HMO plans?
- On average, HMO plans in Cumberland cost $29.60 per month.
- Which HMO plan is most popular in Cumberland?
- The leading HMO in Cumberland is Wellcare Simple Essential (HMO), with 25 members.
- How many HMO plans in Cumberland do not include drug coverage?
- There are 1 HMO plans available in Cumberland without Part D benefits.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans blend elements of HMO and PPO coverage. You can see providers outside the network, but out-of-network services typically cost more. This type of plan may appeal to people who like the lower costs of an HMO but also want occasional flexibility to go out of network.
- Total HMO-POS Plans 4
- Average Premium $74.75/mo
- Beneficiaries Enrolled 65
- $0 Premium HMO-POS 1
- Average MOOP $4,175
- Most Popular HMO-POS Health Alliance Medicare POS Choice Rx (HMO-POS) with 65 enrollees
- HMO-POS Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. |
|---|---|---|---|---|
| AARP Medicare Advantage from UHC IA-0002 | $38 | $3,800 | $340 | |
| Health Alliance Medicare POS 10 Rx | $188 | $2,900 | $0 | |
| Health Alliance Medicare POS Basic Rx | $73 | $5,500 | $0 | |
| Health Alliance Medicare POS Choice Rx | $0 | $4,500 | $0 |
What is the total number of HMO-POS plans in Cumberland?
There are 4 HMO-POS plans in 2025, covering 65 beneficiaries.
How much do HMO-POS plans cost on average in Cumberland?
The average HMO-POS premium is $74.75, with 1 costing $0.
What is the leading HMO-POS plan in Cumberland?
Health Alliance Medicare POS Choice Rx (HMO-POS) is the most popular HMO-POS plan in Cumberland, with 65 enrollees.
What is the number of HMO-POS plans without Part D coverage in Cumberland?
0 HMO-POS plans in Cumberland do not include drug coverage.
The table below shows the quality ratings for Medicare Advantage plans offered in Cumberland County, IL for 2025.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 5 | 19% |
| 3 Stars | 22 | 81% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.44 | |
In Cumberland County, Medicare Advantage enrollment follows specific timelines. Understanding these options—whether it’s your first time enrolling or switching plans—helps you choose coverage that matches your health and budget.
When You Can Sign Up
- Initial Enrollment Period (IEP): Lasting seven months around your 65th birthday, this period lets you enroll in Medicare for the first time. You may also choose a Medicare Advantage plan during this time. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Between January 1 and March 31, people already enrolled in Medicare Advantage can make a one-time change—switch to another plan or return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): Each fall, from October 15 to December 7, Medicare beneficiaries can review their coverage and make changes for the next plan year. Learn more
- Special Enrollment Periods (SEPs): Life events like moving to a new service area, losing other health coverage, or becoming eligible for assistance may open a Special Enrollment Period to adjust your Medicare coverage. Learn more
Ways to Enroll in Medicare Advantage
- Consult a Licensed Agent: Call a licensed insurance agent at HealthCompare 1-833-748-3201 (TTY 711), available Monday through Friday 5am–6pm and Saturday 6am–5pm PST, for help reviewing your Medicare options.
- Contact the Plan Provider Directly: Start enrollment by reaching out to the plan provider through their website or by phone with their member services team.
- Use Medicare.gov: At Medicare.gov, you can compare Medicare Advantage plans side by side and enroll securely online.
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Greenup, Neoga, Toledo, and all other areas of Cumberland County, Illinois.
Medicare Advantage and Part D plans and benefits offered by the following carriers: Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, HealthSpring℠, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint
CMS Plan IDs Presented
The Medicare Advantage plan pages listed in the tables above include localization to assist beneficiaries with plans available in their service area. However, most Part C plans are available in more than one service area, which can lead to confusion. The following list of CMS IDs links to our master plan pages without localization.
- CMS.gov, Landscape Source Files — Last accessed September 13, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed September 13, 2025
- CMS.gov, Plan Benefits Package — Last accessed September 13, 2025
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Last accessed September 16, 2025
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Landscape file, Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data. Enrollment counts and rankings (such as Top 3 plans by enrollment) are derived from CMS monthly enrollment files and aggregated at the county level.
Medicare.org separates Medicare Advantage (MA/MAPD) plans and Special Needs Plans (SNPs) into different pages for clarity. As a result, plan counts, percentages, and other calculations shown here may differ from the aggregate totals published in the CMS Landscape files. All plan availability and benefit details originate from CMS.
Learn more about how we use CMS data.
- Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025
Medicare.org is owned and operated by Health Network Group, LLC, an Allstate company. Medicare.org provides information only and is not connected with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard.
Page content managed by David Bynon, Medicare Analyst.